Original link: https://mercurychong.blogspot.com/2022/09/39.html
In a blink of an eye, I have come to the age of confusion when I plan to retire and return to China. Before that, let’s review the 39-year-old score sheet.
In December 2008, I started to deposit shares with zero passive income. After 13 to 14 years, today, although I have mediocre qualifications and have not developed by stock investment, at least I have established a passive salary flow that can meet my personal needs. It is also a small achievement.
After reaching a monthly average of 5-digit dividends for the first time last year, I did not imagine that the age of 4 will receive a 44% salary increase this year, although it is mainly because many companies reduced dividends last year to retain cash in case of the epidemic The contingencies brought by it, the comparison base is not high, so the growth is obvious, but it seems to be related to 4.
Since LPI paid dividends earlier than expected, it has obtained 3 dividends from it in this financial year, so the hourly salary also unexpectedly entered the RM20 milestone, which increased the pressure to surpass next year, but The moment is still celebrating the new hourly wage record. As for the average monthly income, it is a pity that it is a little short to reach 15k, but it does not matter, leaving room for improvement.
This is probably the case. The dividend snowball has been rolling for a long time, and the mood has become more stable. Although I am happy with the results, I don’t seem to have much ripples when writing my thoughts. Perhaps, this is the ordinary sense of happiness.
Every time we share the dividend salary, the good people will always ask “how much principal”, which has been answered countless times.
Depositing shares undoubtedly requires “principal”, although it is a bit cruel, but the capital market is like this. It’s not that you can win by saving your shares, but you can feel it when you save your shares.
If you only invest 100 yuan per month, and invest 1,200 yuan in stock for one year, it is only about 72 yuan based on the company’s annual dividend of about 6%. But you don’t need to research stocks for a year for this money, and you can save it by just skipping a big meal.
The more principal you invest, the more you will feel about depositing shares, and the less willing you are to buy and sell, thereby reducing the occurrence of errors in excessive operations.
As for how much the principal is accumulated, it will be more felt. In fact, there is no fixed number. I personally think that when the passive salary exceeds 36,000 yuan, that is, 3,000 yuan per month, the speed of depositing shares will start to speed up. A very clear sense of the joy of profit.
Before that, the speed of depositing stocks may make you a little sad and frustrated, but you should still encourage everyone to deposit stocks as soon as possible, because “time”, one of the elements of depositing stocks, is also very important.
Time is the moat of the deposit, which affects the success or failure of the deposit. In the stock market, time is the most expensive, so invest as early as possible. The principal of migrant workers is not large enough, but if they can invest as soon as possible, they can reduce the cost of holding shares earlier and take the lead. After all, the most important thing for young people is time, and time is also a kind of capital.
Mercury Bear, who bought stocks for the first time at the age of 26, can also start saving from a few thousand yuan. With continuous efforts to increase active income and increase the principal, and the assistance of time, a good friend, he has gradually achieved today’s point over time. Mercury Bear does not understand the big principles of investment, so he can only lead by example and share his actual experience. As for how others interpret it, it is not under the control of Mercury Bear. Just like the performance of a company, the same report is seen by different people. It can be heaven and earth. Therefore, my own experience may not be useful to everyone, but as long as it can give some people a little enlightenment or inspiration, the Mercury Bear will be very happy.
When we were children, our words didn’t express our meaning;
When we grow up, we don’t speak our hearts.
Each stage has its own troubles. Life is all about learning and trying to make yourself better and face the next challenge with courage.
As for whether it will really retire with a resignation letter at the age of 40, and stop making it a routine joke on April Fool’s Day every year? Please pay attention to the publication of future articles ?
Retirement does not necessarily mean to stop working, but to have the right not to work for money, and to retire at any time without retiring.
Anyway, come on at 40, the Mercury Bear is ready for your new challenge.
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